Stranieri e vicini: le banche attraverso le frontiere del nord America. (Strangers and neighbours: cross-border banking in North America)

J.W. DEAN, I. GIDDY

Abstract


L'articolo si occupa di aspetti normativi e competitivi della penetrazione reciproca da parte delle banche canadesi e statunitensi nei rispettivi mercati nazionali . Gli autori valutano il grado in cui i fattori economici sono gli unici responsabili per la differenza nei tassi di crescita tra le banche nazionali ed estere in Nord America. Essi sostengono che il regolamento non ha inciso sullala crescita delle banche estere in Nord America affrontando la questione della reciprocità in regolamenti bancari , prima di esaminare le banche estere negli Stati Uniti e il modo in cui sono state regolamentate .

The paper is concerned with regulatory and competitive aspects of the mutual penetration by Canadian and U.S. banks of each other’s domestic markets. The authors assess the degree to which economic factors alone are responsible for the difference in growth rates between domestic and foreign banks in North America. They argue that regulation has not affected the growth of foreign banks in North America by addressing the question of reciprocity in banking regulations, before examining foreign banks in the U.S. and the manner in which they have been regulated. U.S. banks operating in Canada are then dealt with. Finally, the results of an empirical test of the proposition that the growth of cross-border banking is attributable to factors other than differential regulation is presented.


JEL: G21


Parole chiave


.S., Canada, cross-border banking, regulation, reciprocity, North America

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ISSN 2037-3651

Reg. Tribunale di Roma n.377/2009 del 19/11/2009